Business Use Car Insurance

[Deleted member 26715]

Because of my daughters job she has to have business use on her car insurance she is not able to do the job without it, it's part of her contract of employment (I'm led to believe) This year it's cost her £120 more than standard insurance, is she able to claim the extra as an expensive/allowance with HMRC?

 

[vickster]

Is she self employed? Or does she do a tax return alongside PAYE?
Will her employer not cover it (might be too late now if she's slgned the contract)
Maybe she could shop around for the insurance (next year), I expect a broker could find a better deal for a more specialised policy

£120 sounds a lot (what % extra is it), how many business miles does she do?

 

[Drago]

That sounds pricy indeed - my business use used to cost me nothing extra. Indeed, my whole insurance bill is less than £120

And yes, she can claim tax relief against it.

 

[Deleted member 26715]

She's employed, visits people in their own home via her own car, maybe the insurance industry is cashing in on her occupation, both she & my SIL did research on pricing before committing to this policy.

 

[JtB]

If she just travels between her own home and a client’s home rather than between multiple clients’ homes then could that be classified as commuting?

I occasionally need to drive to a client’s office from home and my car insurance companies have always classified that as commuting.

PS. Commuting to a single place of work doesn’t mean you have to commute to the same place of work every time, it just means you can’t commute between multiple places of work such as visiting multiple clients.

 

[Deleted member 26715]

No she is a care worker & travels between clients homes

 

[stephec]

Does she claim a mileage allowance back from her employer on the business mileage?

That's usually intended to cover insurance, fuel, depreciation, etc.

 

[Smokin Joe]

I've got business use and it cost nothing extra when I first put it on some years ago.

 

[Deleted member 26715]

Does she claim a mileage allowance back from her employer on the business mileage?
That's usually intended to cover insurance, fuel, depreciation, etc.

I'll check & get back

 

[Lozz360]

Does she claim a mileage allowance back from her employer on the business mileage?

That's usually intended to cover insurance, fuel, depreciation, etc.

^^^^^This^^^^^^
My job involves travelling to different clients addresses. The 45p per mile I claim for business trips is intended to also cover any additional cost for business use insurance. £120 seems a bit steep though. If she is only travelling to clients addresses and not driving them to medical appointments for instance, it shouldn’t cost much more if anything.

 

[Biff600]

^^^^^This^^^^^^
£120 seems a bit steep though. If she is only travelling to clients addresses and not driving them to medical appointments for instance, it shouldn’t cost much more if anything.

It may be age or location based.

 

[Deleted member 26715]

Okay looks like I got given bad information, the excess amount for business use is only £40 not £120 as I was told & she is allowed to claim £0.20p per mile.

 

[Slick]

We get 45p a mile but it drops significantly after 5000 miles. You dont need to be self employed to claim back expenses on you tax bill.

 

[Deleted member 26715]

That's not a lot per mile - I think the norm. is somewhere around 45pence for using your own car.

Minimum wage care worker, the service is in crisis, although the boss has just bought a brand new Merc,

 

[Slick]

Minimum wage care worker, the service is in crisis, although the boss has just bought a brand new Merc,

Bought or leased?